Patent EA-003681-B1 (EA)
Title: Process and system for remote payments and transactions in real time by mobile telephone
Inventor: CANTERO BRANCHES MARIO
IPC: G06Q20/00
Filed: 2000-08-07
Abstract: 1. A system for processing payments and transactions between payers (13) and payees (27, 29, 14, 14a, 13a, 46) associated to the system, using at least one communication by means of digital mobile telephony, the system comprising a first server (20) interconnected with telecommunication means (18, 19, 28, 47) with first data storage means (22), and including account management means (20e) that process first data of an account of each associated payer (13) and second data of an account of each associated payee (27, 29, 14, 14a, 40, 46); wherein the first telecommunication means (18, 19, 28, 47) selectively communicate the first server (20) with a digital mobile telephone unit (16) identified by an admissible telephone number of an associated payer (13) and with a telecommunication terminal (15, 15a, 27, 29, 41, 46) identified by an admissible identification code of an associated payee (27, 29, 14, 14a, 40, 46); the telecommunication means (18, 19, 28, 47) comprising a plurality of telecommunication equipment (18, 19); the first data storage means (22) contain first information on each associated payer (13), said first information comprising at least the admissible telephone number, at least a pre-established authorization criterion for authorizing at least one transaction that requires a payment from the associated payer's (13) account and at least a safety criterion associated univocally to the associated payer's (13) telephone number, as well as some second information on each associated payee (27, 29, 14, 14a, 40, 46) that comprises at least the admissible identification code; the first server (20) comprising first verifying means (20a) for verifying in the data storage means (22) whether a first message received through the telecommunication means (18, 19, 28, 47) contains an admissible telephone number of an associated payer (13) and an admissible identification code of an associated payee (27, 29, 14, 14a, 40, 46), said first verifying means (20a) generating a first acceptance message when they detect an admissible identification code and an admissible telephone number; second verifying means (20b) for verifying in the data storage means (22) whether a transaction authorization request received through the telecommunication means (18, 19, 28, 47) in addition to the admissible telephone number detected by the first verifying means, satisfies said pre-established authorization criterion, said second verifying means (20b) generating a second acceptance message when the authorization request satisfies said authorization criterion; third verifying means (20c) for verifying in the first data storage means (22) whether a safety parameter received through the telecommunication means (18, 19) satisfies the safety criterion associated to the admissible telephone number detected by the first verifying means, said third verifying means (20c) generating a third acceptance message when they detect that the safety parameter satisfies the safety criterion associated to the admissible telephone number; authorization means (20d) for authorizing the account management means (20e) on the basis of the authorization request, to process a debit in the associated payer's (13) account and to process a corresponding credit in the associated payee's (27, 29, 14, 14a, 40, 46) account as long as the first, second and third acceptance messages have been generated; rejection message generating means (20f) for generating a rejection message when at least one of the acceptance messages has not been generated, and for transmitting the rejection message to the telecommunication means (18, 19, 28, 47); confirmation message generating means (20g) for generating at least a confirmation message when at least one of the acceptance messages has been generated, and for transmitting said confirmation message to the telecommunication means (18, 19, 28, 47), and for selective transmission of the confirmation message to the mobile telephone (16,41) identified by the admissible telephone number in said first message, and to the telecommunication terminal (15,15a,27,29,41,46) identified by the admissible identification code; second data storage means (21) that contain at least first information referring to the admissible telephone number of each payer (13), and at least second information referring to the type of digital mobile telephone (16, 41) belonging to each telephone number; selecting means (20h) for verifying in said second data storage means (21), the second information corresponding to the digital mobile telephone unit (16, 41) identified by the admissible telephone number and for selecting one of the telecommunication equipment (18, 19) that communicates with a digital mobile telephone (16, 41) identified by the admissible telephone number by means of a telecommunication service being compatible with the type of digital mobile telephone (16, 41) identified in said second information. 2. A system according to claim 1, wherein the admissible identification code of each payee (27, 29, 14, 14a, 40, 46) is selected among a telephone number, a number related to a telephone number, an Internet code, a code representative of an Internet code, an e-mail address, and a code based on an e-mail address. 3. A system according to claim 1, wherein the first verifying means verify the payer's (13) admissible telephone number from a code received through the telecommunication means (18, 19, 28, 47), representative of said admissible telephone number and contained in the first data storage means (22). 4. A system according to claim 1, wherein the second acceptance message generates an order to the telecommunication means (18, 19) to transmit to the mobile telephone (16) of a payer (13) identified by the admissible telephone number, a first confirmation message that contains a request to transmit the safety parameter that is to be verified by the third verifying means (20c) against the safety criterion. 5. A system according to claim 4, wherein the second acceptance message further generates an order to the telecommunication means (18, 19, 28, 47) to communicate with the telecommunication terminal (15, 15a, 27, 29, 46) identified by the admissible identification code detected by the first verifying means (20a), to transmit a second confirmation message that confirms the generation of the first acceptance message. 6. A system according to claim 1, wherein the third acceptance message generated by the third verifying means (20c) generates an order to the telecommunication means (18, 19, 28, 47) to communicate with the telecommunication terminal (15, 15a, 27, 29, 46) identified by the admissible identification code detected by the first verifying means (20a) to transmit a third confirmation message that confirms the generation of the third acceptance message. 7. A system according to claim 1 or 6, wherein the third acceptance message generated by the third verifying means (20c) generates an order to the telecommunication means (18, 19) to communicate with the mobile telephone (16) identified by the admissible telephone number detected by the first verifying means (20a), and to transmit a fourth confirmation message that confirms the generation of the third acceptance message. 8. A system according to claim 1, 6 or 7, wherein the third acceptance message generated by the third verifying means (20c) generates a command to the account management means (20e) to process the debit in the payer's (13) account and to process the corresponding credit in the payee's (27, 29, 14, 14a, 40, 46) account. 9. A system according to claim 1 or 8, wherein the account management means (20e) control at least a first intermediate account of each payee (27, 29, 14, 14a, 40, 46) contained in the first data storage means (22) and in which each credit is made. 10. A system according to claim 9, wherein the account management means (20e) comprise first transmission means for transmitting said credit to an administration and management server (23) that comprises a payees' data bank (25) in which all credits made in favor of each payee (27, 29, 14, 14a, 46) are stored, the administration and management server (23) transferring the credits contained in the data bank (25) to financial entities that manage each payee's financial accounts. 11. A system according to claim 1 or 8, wherein the account management means (20e) control second intermediate accounts selected from prepayment accounts, debit accounts in real time and post-payment accounts, of the payers (13). 12. A system according to claim 11, wherein the prepayment accounts controlled by the account management means (20e) comprise an electronic purse previously created in the first data storage means (22) for each buyer (13). 13. A system according to claim 1, wherein the authorization request comprises data regarding the value of the transaction, and wherein the pre-established authorization criterion verified by the second verifying means (20b) is selected among an available balance, a maximum credit limit and combinations thereof, established for each account of each payer (13). 14. A system according to claim 8, wherein the account management means (20e) comprise second transmission means for transmitting said debit to an administration and management server (23) that comprises a payers' data bank (24) wherein all debits made against each payer (13) are stored, the administration and management server (23) transferring the credits contained in the payers' data bank (24) to financial entities that manage each payer's financial accounts. 15. A system according to claim 1, wherein the safety criterion verified by the third verifying means (20c) is a secret identification code known by the payer (13) and stored in the first data storage means (22). 16. A system according to claim 15, wherein the third verifying means (20c) directly verify whether the safety parameter contains the secret identification code. 17. A system according to cl